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For limited company directors

Relevant Life isn't just a payout. It's cover you can use while living.

Life insurance your company pays for. And with many insurers, it comes with benefits you and your family can use every day, while everyone is fit and well.

24/7 GP accessMental health supportSecond medical opinion
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The bit most directors miss
Your company funds the cover, usually as an allowable expense. The everyday benefits often come included at no extra cost.
Benefits vary by insurer and are non-contractual, which is exactly why it pays to have a broker compare what each policy actually comes with.

You think you're buying one thing. You could be getting much more.

What most directors expect
  • A policy document
  • A monthly premium
  • A payout if the worst happens
  • Nothing in between
What your policy could include
  • Everything on the left, plus
  • A doctor on the phone, day or night
  • Counselling when life gets heavy
  • An expert second opinion on a diagnosis
  • Support that can extend to your family

Tap a benefit to see what it does

These are the kinds of services many insurers include with Relevant Life. Exactly what comes with your policy depends on the insurer, which is part of what we compare for you.

Tap any tile above and we'll show you what it does and who can usually use it.

A few quick details now. A comparison of leading UK insurers to follow.

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Why through your company?

Because paying personally means paying twice

Fund life cover from your own pocket and every premium comes from money that has already been through corporation tax and dividend tax. With Relevant Life, the company pays instead, and premiums are typically an allowable business expense.

The payout is designed to reach your family through a discretionary trust, outside your estate. Tax treatment depends on your individual circumstances and may change, and tax relief is not guaranteed, which is why we set every policy up properly rather than leaving it to chance.

How it works

1Tell us about you

A few quick questions about your company, your health, and the cover you want. No jargon, no forms in triplicate.

2We compare the market

Leading UK insurers side by side, on price, on cover, and on the benefits that come with each policy.

3You get covered

Set up through your company with the trust done properly, and the everyday benefits ready to use.

Fair questions, straight answers

Do the extra benefits cost more?
Usually not. Where insurers include them, they are typically built into the premium at no additional cost. They are non-contractual though, which means insurers can change or withdraw them, so we treat them as a bonus on top of the cover rather than the reason to choose it.
Can my family use them too?
Sometimes. Some insurers extend services like remote GP access and counselling to a partner and children, though it varies by insurer and service. We will tell you exactly who each insurer covers when we compare quotes.
Am I eligible for Relevant Life?
Relevant Life is for directors and employees of limited companies and LLPs. If you are a sole trader it is not available, but there are other routes to cover and we can talk you through them.
What does your service cost?
Our quotes and advice are free and there is no obligation. If you take out a policy, we are paid commission by the insurer, which does not change the premium you pay.
Is this actually worth it for a one-person company?
One-person limited companies are exactly who Relevant Life was designed for. It is effectively the individual version of a death-in-service scheme, funded by your company for the benefit of your family.

See what your cover could include.

Free comparison of leading UK insurers. Quick to start, no obligation to continue.

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Authorised and regulated by the FCA · No fees for our advice

Value added benefits are non-contractual, vary by insurer and product, and may be changed or withdrawn at any time. Cover is subject to underwriting and provider terms. Tax treatment depends on your individual circumstances and may change. Tax relief is not guaranteed. This page is general information, not personal advice. Caspian Assured Ltd is authorised and regulated by the Financial Conduct Authority.